Job Description

Degree Level: Bachelor's Degree
: Key Responsibilities 1. Sales & Business Development

• Achieve monthly and quarterly targets for Secured Business Loans (LAP/Business LAP/Working Capital/SME loans).
• Identify and acquire new customers through direct sourcing, DSAs, connectors, and channel partners.
• Generate business by conducting market mapping, branch visits, and local business outreach activities.
• Maintain a strong pipeline and ensure timely conversion of leads.

2. Team Management

• Manage and motivate a team of sales executives/relationship officers.
• Train the team on product knowledge, sales techniques, and compliance guidelines.
• Drive productivity and ensure achievement of individual and team targets.
• Conduct regular reviews, field visits, and performance monitoring.

3. Credit & Documentation

• Ensure accurate customer profiling and loan assessment before submission to credit.
• Assist the credit team with required documentation, field investigations, and PDD (post-disbursement documentation).
• Ensure adherence to underwriting policies, RBI guidelines, and internal risk frameworks.

4. Channel & Relationship Management

• Build strong relations with DSAs, Chartered Accountants, brokers, and other sourcing partners.
• Work closely with internal stakeholders-credit, operations, legal, collection, and branch teams.
• Ensure a superior customer experience and high service standards.

5. Compliance & Audit

• Ensure all KYC, AML, compliance, and regulatory requirements are met.
• Maintain high process adherence and zero audit observations.
• Monitor portfolio quality and coordinate with collections for overdue management.

Key Skills & Competencies

• Strong knowledge of Secured Business Loans / SME Lending / LAP products.
• Good understanding of financial statements, cash flow analysis, and collateral evaluation.
• Excellent sales, negotiation, and relationship-building skills.
• Leadership ability with experience in managing sales teams.
• Strong communication and customer handling skills.
• Target-oriented, self-driven, and disciplined.

Qualifications & Experience

• Graduate/MBA in Business, Finance, or related field (preferred).
• 3-6 years of experience in secured SME/business loan sales; at least 1-2 years in team handling.
• Experience with NBFCs, banks, or fintechs in SME lending is a plus.

Work Conditions

• Field-intensive role with frequent client and partner visits.
• High-performance environment with monthly target-driven structure.

Skills Required